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Active

Active·202 days on market

25 Ponce Preserve Drive

Palm Coast, FL 32164

$474,698$166/sqftEst. $2,440/moMLS# 2129222

Beds

Baths

2,861

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

Rates as low as 4.99! Up to $15k CC for any deal using our preferred lender. Welcome to this Ranch with Bonus Room Dalton! On the main floor you'll find a gourmet kitchen, large family room, and Study along with 3 bedrooms and 2.5 baths. One of the bedrooms is the primary suite which features an en-suite bath and large walk-in closet. Upstairs is an oversized bonus room/bedroom with full bath and large closet . The home also feature a Covered Lanai and a 3 car garage SAMPLE PHOTOS Actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Financing subject to change.

Cost to own

Mortgage calculator

Home Price

$474,698

Down Payment: 20%

$94,940

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,440

Principal & Interest: $2,440

Insurance (est.): $316

Estimated Total Monthly

$2,757

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,440

HOAbilled quarterly$119

Estimated total, before insurance$2,559/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,165 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 21, 2026Price change$474,698−$5,000
Feb 9, 2026Listed$479,698

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$474,698

Price / Sq Ft$166

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,861

Acres0.27 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouth

Community Information

Address25 Ponce Preserve Drive, Palm Coast, FL 32164

Area601-Flagler County-North Central

SubdivisionSummerTide

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Lot Size11,761.2 sq ft

Parcel Number3111315145000000120

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingElectric

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)